Private extended health insurance plans in Canada—including policies managed by providers like Canada Life—generally do not cover routine vitamin D blood tests, because provincial health insurance plans (such as OHIP or MSP) unlisted and stopped funding routine vitamin D testing years ago for the general public. Private insurers typically align with provincial medical guidelines, meaning routine diagnostic lab work ordered without specific high-risk medical indications (such as severe malabsorption syndromes, renal disease, or diagnosed metabolic bone disorders) must be paid for out of pocket by the patient.
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